Zachary Auto Insurance Buying Tips You Aren’t Supposed to Know

Purchasing the cheapest Zachary auto insurance on the web may be impossible for consumers new to buying insurance on the web. Since there are so many insurers available, how can Zachary drivers possibly compare them all to find the best price?

How to Compare Auto Insurance in Zachary, LA

There are a lot of ways to compare auto insurance prices but some are easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in Zachary, or you can stay home and use the internet to accomplish the same thing much quicker.

Most car insurance companies enroll in a system where prospective buyers submit one quote, and at least one company then returns a price quote for coverage. This eliminates the need for repetitive form submissions to each company.

To compare rates using this form now click here (opens in new window).

The only drawback to pricing coverage this way is you cannot specify which carriers you want to price. So if you want to select specific insurance companies to request quotes from, we have assembled a list of companies who write auto insurance in Louisiana. Click here for list of insurance companies in Louisiana.

Whichever way you use, ensure you’re using exactly the same quote information for each price quote. If you compare different deductibles it will be very difficult to determine which rate is truly the best in Zachary.

Do I need a local agent?

Certain consumers would prefer to talk to a local agent. Good agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of price shopping on the web is that you can obtain lower rates but still work with a licensed insurance image

To find an agent, once you fill out this simple form, your information is instantly submitted to local insurance agents in Zachary who will return price quotes for your insurance coverage. You won’t need to visit any agencies since price quotes are sent straight to your inbox. How’s that for easy!

Choosing an insurer needs to be determined by more than just the price. These are valid questions to ask:

  • Can glass repairs be made at your home?
  • What are the financial ratings for the companies they represent?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Who is covered by the car insurance policy?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • If you are a high risk driver, do they have special markets for your coverage?

Captive and independent Zachary insurance agents

When searching for a good Zachary insurance agent, you must know there are a couple different agency structures that you can select. Zachary agents can either be independent (non-captive) or captive. While both can insure your vehicles, but it’s worth mentioning the differences because it can influence the selection process.

Captive Insurance Agents

Captive agencies can only write with one company like Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so keep that in mind. Captive agencies receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent partially due to the prominence of the brand and strong financial ratings.

Shown below are captive agents in Zachary that are able to give price quotes.

  • Allstate Insurance – 5654 Main St – Zachary, LA 70791 – (225) 654-7817
  • State Farm Insurance – 4698 Highway 19 – Zachary, LA 70791 – (225) 654-0012
  • Farm Bureau Insurance – 5037 Main St – Zachary, LA 70791 – (225) 658-0290
  • Shelter Insurance – 5568 Main St – Zachary, LA 70791 – (225) 654-8897
Independent Agents (or Brokers)

Independent agencies do not work for one specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When shopping rates, you should always get quotes from multiple independent agents for the best price selection.Most can insure with different regional companies which can save you money.

Shown below is a list of independent agencies in Zachary who can help you get rate quotes.

save money image

  • John Hendry Insurance – 4833 Main St – Zachary, LA 70791 – (225) 654-3950
  • Farm Bureau Insurance – 5037 Main St – Zachary, LA 70791 – (225) 658-0290
  • Castello Agency General Ins – 5353 Main St # A – Zachary, LA 70791 – (225) 654-2313

For a full directory of licensed insurance agents in Zachary, simply jump to this page.

Upon receiving reasonable responses to these questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that is a good match to adequately provide auto insurance.

For more information

More tips and info about auto insurance is available at the Louisiana Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, discover disciplinary actions, view a list of available companies, and find a variety of consumer forms.